If a tree falls on your house but doesn't make any noise - are you still covered?
Our agency has received a lot of calls regarding tree damage from the recent polar vortexes popping up in our area. Customers want to know if trees are covered and to what extent. Keep in mind that your homeowners policy covers damage to your house and not the land. So if a tree falls in your yard with no additional damage, your insurance policy will not pay to clean up the fallen tree.
What if a tree falls and causes damage to a fence or gazebo?
Most policies have "other structures" coverage built-in which would provide coverage to repair or replace certain structures that are on your property but not attached to your house. Coverage would apply assuming it fell because of a covered peril such as wind or weight of snow.
Does my neighbor's insurance pay if his tree hits my house?
NO. Your policy will cover damage to your structure. Your neighbor's policy does not insure your property. Again, we assume that the damage was caused by a storm and not negligence on the part of your neighbor.
Will my homeowners policy pay if a tree hits my car?
NO. Homeowners insurance does not usually provide damage to vehicles. You would have to file a separate auto claim under your comprehensive coverage to repair damage from a falling tree.
** Keep in mind that homeowners insurance varies by company and state so it is important to check with your local independent agent to see if your specific damage would be covered.
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